Institution Statistics
| TROY | | NCUA # | 15928 | | BankRate Report | View | | Year Chartered | 1963 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.78 million | | Loans | $1.59 million | | Deposits | $2.42 million | | Equity Capital | $357,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $6,000 |
Historic Data - December 2010 | | Assets | $2.67 million | | Equity Capital | $350,000 | | Loan Loss Allowance | $7,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.24% | | Return on Assets | 0.25% | | Return on Equity | 1.96% | | Interest Income | $122,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Troy Credit Union had $6,000 in non-current loans and owned real-estate with $364,000 in equity and loan loss allowances on hand to cover it. This gives Troy Credit Union a Texas Ratio of 1.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Troy Credit Union has increased its total deposits by $103,000, resulting in 4.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Troy Credit Union has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Troy Credit Union has $2.78 million in assets with $364,000 in equity, resulting in a capitalization level of 13.09%, which is excellent. |
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